Call reports 2005
CEDARS BANK — 2005
What CEDARS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 476,940,000 | 485,711,000 | 507,144,000 | 438,173,000 |
| Total loans | 361,036,000 | 368,634,000 | 380,215,000 | 362,904,000 |
| Allowance for loan losses | 3,770,000 | 3,827,000 | 4,048,000 | 5,597,000 |
| Securities available for sale | 42,437,000 | 43,147,000 | 43,214,000 | 37,000 |
| Securities held to maturity | 41,846,000 | 40,279,000 | 40,063,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,749,000 | 400,010,000 | 429,289,000 | 366,665,000 |
| Interest-bearing deposits | 311,221,000 | 314,825,000 | 334,419,000 | 271,662,000 |
| Noninterest-bearing deposits | 91,528,000 | 85,185,000 | 94,870,000 | 95,003,000 |
| Equity capital | 43,786,000 | 45,940,000 | 47,605,000 | 47,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,488,000 | 13,792,000 | 21,660,000 | 29,935,000 |
| Interest expense | 1,605,000 | 3,597,000 | 5,897,000 | 8,273,000 |
| Net interest income | 4,883,000 | 10,195,000 | 15,763,000 | 21,662,000 |
| Noninterest income | 462,000 | 941,000 | 1,435,000 | 2,016,000 |
| Noninterest expense | 2,850,000 | 5,617,000 | 8,648,000 | 12,925,000 |
| Provision for loan losses | 160,000 | 193,000 | 409,000 | 1,975,000 |
| Pretax income | 2,323,000 | 5,315,000 | 8,127,000 | 7,106,000 |
| Income tax | 882,000 | 2,073,000 | 3,168,000 | 2,750,000 |
| Net income | 1,441,000 | 3,242,000 | 4,959,000 | 4,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,373,000 | 46,276,000 | 48,094,000 | 47,677,000 |
| Total capital | 48,582,000 | 50,609,000 | 52,667,000 | 52,383,000 |
| Risk-weighted assets | 395,171,000 | 415,550,000 | 422,493,000 | 374,332,000 |